This shit just sometimes happen. Someone posts a meme, sometimes relevant to current events sometimes not, and it picks up traction and becomes a meta meme.

This thread is full of clearly basement dwelling non parents. So many AKctually it hurts from laughing.

A single missed payment typically is a small ding and not effect your credit in a major way. Bankruptcy is going to in almost all cases multiple delinquency and debts. I don’t agree that bankruptcy will fuck your day up.

I’ve had several missed payments to utilities the most recent being 3 months late(dumb auto pay shit) and have zero marks and an 830.

My mother (dumb and irresponsible) had missed payments and none of those hit her scores either. I don’t believe this is wide spread from my personal experience and a quick Google doesn’t return anything promising so I’m not sure I can agree with that at all.

It takes one pretty big fucking mistake to crater years of effort. I understand it does happen, usually around homes and employment, to which I would agree we need protections. It’s not for small shit.

Yup, and it becomes very apparent when you get into home loans vs credit lines. The verification goes way up since the last housing crisis.

I did. I’m near 40 was about to enter college and credit and debit cards were everywhere. I’ve never handled much cash my entire life.

Not even close 🤣 what an absurd thing to say. You really think following social rules is the same thing as participating and having a financial history of posting back lent money is the same thing?

Edit you know what, never mind I see you all trying to compare imaginary insurance Facebook scenarios and pretending like that’s how a FICO works. 👌👍.

FICO is kinda stupid in some ways but with responsibility it’s not hard to get a decent rate/favorable score. Yes at the top end is dumb you need to open more credit but in practice that’s not hard to do assuming you aren’t just forced by circumstances to just live off credit.

Do whatever the fuck you want. If you want to skip those games go the fuck ahead.

That’s not what they are asking though. Try to keep up and read the question.

They are looking for technology wiork arounds. Which, gasp* shockingly will get you banned.

You are just eventually going to get caught and potentially lose your library. Just Olay them normal imo.

I’m going to just advise you to consider the nature here and if you really want to self host. Unless you really think you’ve put enough effort in to make sure your running HA and are prepared to support.

Consider when you may need this most, in an emergency where you ain’t going to be troubleshooting with a family members health on the line.

IMO, I have zero interest in that level of responsibility.

Holy fuck, every time I see this I’m like, who the fuck goes through life worrying about this insignificant crap. Out of worthless studies this takes the cake.

They are fantastic, as well as adding a buck of colors and a well timed ad campaign.

Gen z/alpha is learning what x and millennials have known for a while. Stanley makes good shit, and now it’s colorful lol

And yet, it’s a good quality product.

I think you’re confused. I’m talking about op.

You sound like an asshole.

You ask the staff? God I’m going to sound like a boomer but what the fuck is gen z learning growing up? This is real basic shit.

It happens occasionally, you can file a report and fix it.

Removed by mod

Yeah devs should definitely take on extra work that serves no purpose whatsoever.